# OHIO EDUCATIONAL
Cleveland, OH · NCUA charter 95107 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ohio-educational-95107

Who the members are: state charter, organized 1900. 14,709 members of 50,000 potential (29.4% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $158.2M |
| Members | 14,709 (-1.6% YoY) |
| Full-time staff | 43 |
| Net worth | $12.8M |
| Net worth ratio | 8.1% (p5 of band) |
| ROA (annualized) | 0.30% (p24 of band) |
| Total delinquency | 0.09% (p7 of band) |
| Net charge-offs (annualized) | -0.18% (p1 of band) |
| Loans / shares | 75% (p60 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p80 of band) |
| Operating expense / assets | 5.09% (p88 of band) |
| Vehicles % of loans | 62% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 342% (p97 of band) |
| Vehicle delinquency | 0.10% (p12 of band) |
| Vehicle NCO | 0.05% (p19 of band) |
| Repossessed % of vehicle book | 0.09% (p77 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 12% |
| Average share balance | $5,931 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $15,165 |
| Loans granted, annualized | $30.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | expense trap |  |
| 2016-09 | 2 |  | expense trap |
| 2016-12 | 3 | expense trap |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 5 | losing money |  |
| 2019-03 | 5 | net worth falling | losing money |
| 2019-06 | 3 |  | assets shrinking, net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 8 | capital below 7%, net worth falling, losing money, margin squeeze |  |
| 2020-09 | 8 |  |  |
| 2020-12 | 9 | members leaving |  |
| 2021-03 | 8 |  | losing money |
| 2021-06 | 6 |  | expense trap, margin squeeze |
| 2021-09 | 7 | delinquency rising |  |
| 2021-12 | 5 |  | members leaving, delinquency rising |
| 2022-03 | 6 | delinquency rising |  |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 4 |  | delinquency rising |
| 2022-12 | 5 | auto monoline |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 | assets shrinking, members leaving | capital below 7% |
| 2023-12 | 7 | delinquency rising, loan book shrinking |  |
| 2024-03 | 6 |  | delinquency rising |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 | delinquency rising | loan book shrinking |
| 2024-12 | 4 |  | assets shrinking, members leaving |
| 2025-03 | 4 |  |  |
| 2025-06 | 3 |  | delinquency rising |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-18 [Obituary for Carolyn Ruth (Knotts) Brown - Burrell Funeral Services](https://news.google.com/rss/articles/CBMibkFVX3lxTE1uQ3BmUVZibk95T2szblpRZEZqbmY5UERaRVFJanRVVE5SX1JXa1hUYzd6aUp2NlpQRE81RHRXRTBGWFdiWFpUWFlXc2h1cWd0UEZUSDhSVV9jT0tDNkV6VlR4U3RyMTYtTEVHaXJ3?oc=5) · Burrell Funeral Services
- 2021-11-27 [RICHARD GORE Obituary (2021) - Bedford, OH - Cleveland.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQV01tNEJITF9qNDlZcVZQMm5xUXg3dU1xMy1mLTYwVU9sWldveEhyMktCazFNbnJyakppVWpFRUhZUlBzdGxUT1ZDWGdUdkxJWFVhSnpGRjdELW5HNWpqN3lINTF3SFNTSkUyVWlSZDdhQ2MyUktZUEVJdXB0RFExSWJYYi1Vck1XY0gxZVplNjlaN0Rf?oc=5) · Cleveland.com
- 2026-04-20 [City of Cleveland officials and Pennrose celebrate opening of 236-unit apartment community in Central neighborhood - rejournals.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPQVBzWktlRVgwVHQ2WTJTQ1hQdHpLZExxOWNyb2hTbTMwRG1fYzZmMThWQ0R4TkZJUnQ0NS1tLXVOLVpTeFBrTk5RcGtlUGtkbWg1UDRKWlAwclFFS1ozYjRJN1k3ZGhySjJ6WnY4MERZQS1lMTZpNWJqZTBSQkwybGptLTFwOG1CMlpoSXBMS0NFWnp5dlNkY2s0Y2RvcEw0blhpRDNocHVKd3E3ajdTaUlPdGJxeW9GcjVkRjZnRFkyN0xEV0tuZjJNMjVPbEtsUUZXeQ?oc=5) · rejournals.com
- 2019-03-28 [Over 90 local business representatives share experiences during Mid-East expo - ycitynews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPa09VaUNKYTBPMloxX3YzanNXZWtiNTBsZDdlT2hnVDQ5bWExTW1Pa1BDeUZCV19iYy0yUTFiVTlWV3c2RUZ0WTdQVmlSUGZrMWNKcDFiSTZCTEJ6UTFRSlFWTG9xOXMwTnREY2FNTWNRajNRUGluempGckk5SExOWUFqam9FdjlnbXdQZFZrWFB4OVZvRUYxYTBzb2VKTE1ZRDhMcU5OYUpkak5YSHdhZGFB?oc=5) · ycitynews.com
- 2022-01-19 [Cindy Wrobleski Obituary - Mansfield News Journal](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9lRkRJSFBUcXQ2c21rSVVTbndvZUxnNE9ZM3VNaWFKRlFGNjRNeWRhZGd1ZXVnZDhhUXo1eE9PUEh5cV9ZajFZWVE3a3RQaDY5eno1Y05hTUl4V05DT3lXWkpkcTFkRDZs?oc=5) · Mansfield News Journal
- 2017-04-26 [Annual cake auction is Thursday and Friday - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMiuAFBVV95cUxObkg1VGZlMzBTS1JlUV9uN1A2d1ZpMU5VUUlSUDZKSUJkQlhzbzhnM1VyVVl6WlVXSlJ5R2Q5TTdhbDBJaDBrQ2NEN3ZZV01BYkZZSXFDbzAtb05JSjROaXktRGdtbkdlZE1Na0lFZ2E1VEFsSGszbFMyU3pyV1pITWM4Q1lERG9jM0t0R21hUVVaUHUxRVFxQm8ybGlBbWlKb3JyM3NFa19lT052M0JsbUdpNWFtWHBO?oc=5) · Zanesville Times Recorder
- 2021-10-08 [Ralph Morgan Obituary (2015) - Zanesville, OH - Times Recorder - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPb1pWdjZQXzR1b1l6RE44OWl5RVNzUkQ5b3BPR1lhemVmV2pJX0MwOVdSRjhDMGVFN1BVeUJYWmZET0F1UzVTX19HNUM1VDl2a3VoYkJ2bmVnTFhDSFVTMlMzVExPZWNGNHluMW9DUkJoR195RV9INWw5SnhzcFlGRllvMU1sTjFDZjhTSW9pUDhBakR1WnZsd2JoTzNIeHpH?oc=5) · legacy.com
- 2013-02-12 [THOMAS KIEC Obituary (2013) - Parma, OH - Cleveland.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQVWNsSUNZbjYzLWM2Y0hQTDVQai0xcWw5YllWOW1MUWNBZWVCdUZPcHloNG9sTlhZY2JSMTR2emF1ZmJyOFB4REl0Mnd6QXYzRjhpdi1xVjFocFU4b1BsRHVnaUxaYmV3NGtUeWRnUi04bHNKN1JqWVZkUWRHM0pIX2RFektNb3RyZTJackdtUzZkOGM?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95107 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "95107", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=95107
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide